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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

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industry
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history
Cash to Debt 0.38
SYBTP's Cash to Debt is ranked higher than
73% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SYBTP: 0.38 )
SYBTP' s 10-Year Cash to Debt Range
Min: 0.17   Max: 14.56
Current: 0.38

0.17
14.56
Interest Coverage No Debt
SYBTP's Interest Coverage is ranked higher than
90% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SYBTP: No Debt )
SYBTP' s 10-Year Interest Coverage Range
Min: 1000   Max: 1000
Current: No Debt

F-Score: 6
Z-Score: 0.34
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

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Operating margin (%) 32.26
SYBTP's Operating margin (%) is ranked higher than
78% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. SYBTP: 32.26 )
SYBTP' s 10-Year Operating margin (%) Range
Min: 17   Max: 44
Current: 32.26

17
44
Net-margin (%) 23.13
SYBTP's Net-margin (%) is ranked higher than
78% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.45 vs. SYBTP: 23.13 )
SYBTP' s 10-Year Net-margin (%) Range
Min: 12.6   Max: 29.9
Current: 23.13

12.6
29.9
ROE (%) 12.66
SYBTP's ROE (%) is ranked higher than
87% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.96 vs. SYBTP: 12.66 )
SYBTP' s 10-Year ROE (%) Range
Min: 7.6   Max: 22
Current: 12.66

7.6
22
ROA (%) 1.21
SYBTP's ROA (%) is ranked higher than
86% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. SYBTP: 1.21 )
SYBTP' s 10-Year ROA (%) Range
Min: 0.8   Max: 2
Current: 1.21

0.8
2
ROC (Joel Greenblatt) (%) 96.80
SYBTP's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 1430 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. SYBTP: 96.80 )
SYBTP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 48   Max: 144.8
Current: 96.8

48
144.8
Revenue Growth (%) 4.60
SYBTP's Revenue Growth (%) is ranked higher than
79% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SYBTP: 4.60 )
SYBTP' s 10-Year Revenue Growth (%) Range
Min: 3.6   Max: 5.7
Current: 4.6

3.6
5.7
EBITDA Growth (%) 0.50
SYBTP's EBITDA Growth (%) is ranked higher than
73% of the 1123 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SYBTP: 0.50 )
SYBTP' s 10-Year EBITDA Growth (%) Range
Min: -7.5   Max: 8.4
Current: 0.5

-7.5
8.4
» SYBTP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Preferred stocks of S Y Bancorp Inc

SymbolPriceYieldDescription
SYBTP10.007.50S.Y. Bancorp, Inc.,10.00% Cumulative Trust Preferred Securities

Ratios

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EV-to-EBIT 13.50
SYBTP's EV-to-EBIT is ranked higher than
77% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. SYBTP: 13.50 )
SYBTP' s 10-Year EV-to-EBIT Range
Min: 7.2   Max: 55.4
Current: 13.5

7.2
55.4

Dividend & Buy Back

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Dividend Yield 7.50
SYBTP's Dividend Yield is ranked higher than
59% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. SYBTP: 7.50 )
SYBTP' s 10-Year Dividend Yield Range
Min: 1.14   Max: 3.91
Current: 7.5

1.14
3.91
Yield on cost (5-Year) 7.50
SYBTP's Yield on cost (5-Year) is ranked higher than
63% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. SYBTP: 7.50 )
SYBTP' s 10-Year Yield on cost (5-Year) Range
Min: 1.14   Max: 3.91
Current: 7.5

1.14
3.91

Valuation & Return

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Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
S. Y. Bancorp, Inc., was incorporated in 1988 and is a Kentucky corporation headquartered in Louisville, Kentucky. Bancorp is a bank holding company registered with, and subject to supervision, regulation and examination by the Board of Governors of the Federal Reserve System. Bancorp has two subsidiaries, Stock Yards Bank & Trust Company (the Bank) and S.Y. Bancorp Capital Trust II (the Trust). The Bank is wholly owned and is a state chartered bank. Because Bancorp has no operations of its own, its business and that of the Bank are essentially the same. The operations of the Bank are fully reflected in the consolidated financial statements of Bancorp. Accordingly, references to 'Bancorp' in this document may encompass both the holding company and the Bank. The Trust is a Delaware statutory trust that is a 100%-owned finance subsidiary of Bancorp. At December 31, 2012, the Bank had 25 full service banking locations in the Louisville MSA, three full service banking locations in the Indianapolis MSA, and three full service banking locations in the Cincinnati MSA. Bank holding companies and commercial banks are extensively regulated under both federal and state laws. Changes in applicable laws or regulations may have a material effect on the business and prospects of Bancorp and the Bank.

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